"I have a problem I hope someone can help me with. In a nutshell, my 21 year-old son isn't the best driver in the world. He has a 2000 Mustang that requires collsion insurance"

You have hit a nerve here.

Not to sound rude or condescending, but it's your adult son that has the problem - and you are only exacerbating the problem by enabling him. You might do your son and yourself a big help in picking up a copy of Dr. Laura's new book "Stupid Things Parents Do To Mess Up Their Kids". - or visit her web site @ http://www.drlaura.com/main/

..."He hit a parked 1989 Ford Festiva...I think it's ridiculous to borrow this amount to repair a car that old"

Have you considered that the owner of this "old car" just might have to rely on that car for getting to and from work?

How did it just happen that your son hit a parked car? Was your son speeding? Was he under the influence or was he just not paying attention? Does your son have a job? Does he pay for his own insurance? Does he pay his own car payments?

You should also be most thankful that your son only hit a parked car and not a group of pedestrians.

I'm LOL here, in all due respect, if I am wrong - I apologize in advance, but you come across as just another - "I" and my "progeny" don't have to or don't want to assume self responsibility.

If your son is a reckless driver maybe he needs to be taught a lesson.

In my opinion, reckless drivers need to be dealt with more harshly by our judicial system. At a minimum - if convicted - reckless drivers should lose their drivers license for a period of at least 6 months. If they had to use public transportation or use a bicycle or walk to get where they need to go maybe when they got their driving privilege back they would be a more careful and responsible driver.

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